Skip to Main Content
Updated Feb 13, 2025
Location-Icon
Explore offers from trusted carriers
+ MORE

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

641
/1,000
$124
$1,494
631
/1,000
$151
$1,811
643
/1,000
$90
$1,076
Not rated
$55
$663
*Premiums based on $300,000 in dwelling coverage

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Bankrate logo

Bankrate's trusted insurance industry expertise

Read our full methodology

The home insurance market can be complicated, but Bankrate's insurance editorial team used our unique perspective to bring readers information they need to make educated decisions when shopping for home insurance.

46

years of industry expertise

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

Bankrate and Coverage Logo

Compare home insurance rates

Answer a few questions to see personalized rates from top carriers.

Location-Icon
Your information is kept secure

Powered by Coverage.com (NPN: 19966249)

Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best for high-value homes

Nationwide

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$124/mo

Avg. premium for $300K dwelling

$1,494/yr

Customer satisfaction

641/1,000

Best for bundling

Allstate

4.2

Rating: 4.2 stars out of 5

Avg. premium for $300K dwelling

$151/mo

Avg. premium for $300K dwelling

$1,811/yr

Customer satisfaction

631/1,000

Best for local agents

State Farm

4.1

Rating: 4.1 stars out of 5

Avg. premium for $300K dwelling

$90/mo

Avg. premium for $300K dwelling

$1,076/yr

Customer satisfaction

643/1,000

Best for low average rates

NYCM

3.9

Rating: 3.9 stars out of 5

Avg. premium for $300K dwelling

$55/mo

Avg. premium for $300K dwelling

$663/yr

Customer satisfaction

Not rated

Homeowners looking for budget-friendly coverage packages

Homeowners looking for tiered coverage packages

Homeowners with high-value homes

$55
$663
- $1,089
Sterling Insurance
$87
$1,049
- $703
$90
$1,076
- $676
Dryden Mutual
$94
$1,126
- $626
Preferred Mutual
$114
$1,365
- $387
Some insurance companies may offer you a lower rate if you purchase multiple policies from them — for example, car insurance and home insurance.
Your insurer wants to keep your claims to a minimum, so installing devices such as burglar alarms, smoke detectors or sprinkler systems can often save you money.
Since smoking may increase the risk of fire damage to your home, some insurers may offer you a discounted rate if no one in your household smokes.
If you haven’t filed any claims recently — say, in three years — you may qualify for a discounted home insurance premium.
Older individuals who work less than 25 hours a week might be able to save a percentage off their premiums.
$1,239
$1,811
$2,018
$2,466
$612
$1,076
$1,271
$1,674
$855
$1,494
$1,708
$2,142
$425
$663
$746
$906
  • Fairport: $1,019 per year — 42 percent below state average
  • East Rochester: $1,019 per year — 42 percent below state average
  • North Greece: $1,021 per year — 42 percent below state average
  • Penfield: $1,021 per year — 42 percent below state average
  • North Chili: $1,021 per year — 42 percent below state average
  • East Hampton: $2,574 per year — 47 percent above state average
  • Southampton: $2,549 per year — 45 percent above state average
  • Shelter Island: $2,548 per year — 45 percent above state average
  • Water Mill: $2,544 per year — 45 percent above state average
  • Montauk: $2,540 per year — 45 percent above state average

Related content:

New

Recent news in New York homeowners insurance market

Methodology

User Icon
40 year old
Married male and female homeowners
Logo for Brand name
2016 build year
Primary home
Credit Good Icon
Good credit score
Home Insurance Guide Icon
Clean claim history

Dwelling coverage

$300,000

Other structures coverage

$30,000

Personal property coverage

$150,000

Loss of use coverage

$60,000

Liability coverage

$500,000

Medical payment coverage

$1,000
5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
Written by
Natalie Todoroff
Writer, Insurance
Natalie Todoroff is an insurance writer and industry analyst for Bankrate. She is based in San Francisco and holds a personal lines insurance license.
Edited by Editor, Insurance
Reviewed by Director of corporate communications, Insurance Information Institute